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The root of purchasing or refinancing your home is having a good credit score that is free of blemishes and late payments. You also want to make sure that when you purchase a house, you’re able to afford it. Owning a home is a lot more than just getting a mortgage, or even making the mortgage payment.

You are a currently a free member of Credit Manager by MoneyTips, you should consider an upgrade to Gold Shield Premium to gain access to a variety of tools to help you build your credit, and even to help remove items that you believe are errors. With premium, you’ll have the ability to communicate directly with creditors and attempt to remove some of the negative credit blemishes. Click here to upgrade now.

I also recommend these articles on MoneyTips that are designed to help educate you about how to rebuild your credit, and pay down debt.